BGEO Group Financial Update

Corporate Banking (CB) CB Loan Yield | quarterly CB standalone CB Cost of Deposits | quarterly CB standalone 14.0% 12.9% 13.2% 5.0% 4.4% 4.4% 10.7% 4.5% 12.0% 10.6% 10.3% 10.5% 10.6% 10.4% 10.0% 4.0% 3.6% 10.0% 3.5% 2.8% 3.0% 3.1% 3.0% 8.0% 2.5% 6.0%- 2.0% 2.0% 1.9% 1.7% 4.0% 1.5% 1.0% 2.0% 0.5% 0.0% 0.0% Loan Yield Loan yield, GEL Loan yield, FC Cost of deposits Cost of deposits, GEL Cost of deposits, FC 3Q14 2Q15 ■3Q15 ■3Q14 2015 ■3Q15 CB NIM | quarterly CB standalone 10.0% 9.0% 8.0% 7.0% 6.0% 4.6% 4.5% 4.1% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% 3Q14 2Q15 3Q15 Holding company of BANK OF GEORGIA BGEO www.bgeo.com GROUP November 2015 page 38

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